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Cash flow is the number that pays the bills, and it is the number most landlords cannot state without checking the bank. This calculator shows it plainly: the rent you actually receive after a realistic vacancy allowance, minus the loan payment and every holding cost spread across the year. Positive means the property funds itself and builds your buffer; negative means you are topping it up from other income every month — which is survivable when growth justifies it, and a slow leak when it does not. Because the loan payment is the biggest lever, the calculator keeps it as its own line, so you can see exactly what a cheaper loan rate or a rent review to market would do to the monthly result.
See your real monthly cash position on a rental — rent after vacancy, minus the loan payment and every holding cost — and whether the property pays its own way.
In cash terms yes — they leave your bank account every month. In wealth terms they are forced savings, since they build equity. The calculator shows the cash number, which is what your budget must survive; whether the principal portion feels like a cost is a mindset question, not a maths one.
Because a property that cash-flows on paper at zero vacancy is often negative at a realistic 4-5%. Vacancy is not bad luck, it is a normal part of renting — building it into the monthly number stops the first empty month from becoming a crisis.
Check the three levers: a rent review toward market, a cheaper loan rate, and management or insurance costs that may have drifted above market. If none flip it positive and growth is the argument for holding, make sure the top-up is a decision, not a surprise.
Every tool answers instantly from our own knowledge and calculators — no AI wait, no account. Want the deeper, personalised version? Each has a $2.95 full report.